How we work out your health insurance renewal premium
Our renewal prices are clear and easy to understand
A for Age
Like all insurers, your price goes up slightly with every year you age. Because the older you get, the more likely you are to claim.
B for Base inflation of medical costs
Treatment, drug and hospital costs rise every year for every insurer. So our prices also take into account how much those costs go up.
C for Claims.
We adjust your price based on the claims you’ve made. How much we adjust it also depends on how much you look after your health*
*Claims made under the Worldwide Travel Cover and Optical, Dental and Hearing Cover are not taken into account when calculating the Claims element of your ABC renewal price
How healthy habits can help lower your renewal price
When you look after your health, we think it’s right to reward you. So, the higher your Vitality status, the lower your renewal price increase, whether you make a claim or not.
With us, you earn Vitality points for doing healthy things, like having a yearly health check and tracking your daily activity – walking, running, cycling, swimming or going to the gym.
The more points you earn, the higher your Vitality status. And the higher your Vitality status, the bigger the rewards and the lower your premium can be. Here’s how many points you need for each status when there is one adult on the plan:
| Status | Points needed |
| Bronze | 0 |
| Silver | 800 |
| Gold | 1,600 |
| Platinum | 2,400 |
Frequently asked questions
How much will my premium rise due to age?
How much will the premium rise due to the base rate increase?
Will I keep my no-claims discount if I switch to Vitality from another insurer?
Our Switch & Save pricing considers any existing no-claims discount. This means if you have a no-claims discount, we'll take this into account when we calculate your starting price.
When will you calculate my renewal premium?
In your first plan year, we’ll calculate the total amount we’ve paid in claims for you (and any insured dependants) during your first ten months of cover. In each plan year after that, we’ll calculate the total we’ve paid in claims for you (and any insured dependants) for the last two months of the previous plan year, as well as the first ten months of the current plan year.
Do all claims affect renewal premiums or are some excluded?
Claims paid under the following plan benefits won’t affect your renewal premium:
- Primary Care Benefit, including consultations with a Vitality GP or private GP on our provider panel
- Prescription charges or minor diagnostic tests ordered by a Vitality GP or private GP on our provider panel
- NHS Hospital Cash Benefit (including the NHS Cash Benefit for cancer treatment)
- Childbirth Cash Benefit
- Optical, Dental and Hearing Cover (if you have this benefit)
- Worldwide Travel Cover (if you have this benefit).
Ready to apply online?
Call us on 0808 273 2371
Or ask for a call back and we’ll get in touch at a time to suit you.
Lines are open:
Monday to Thursday 9am-8pm, Friday 9am-6pm, Saturday 10am-2pm
Sunday and bank holidays: Closed
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